The U.S. Department of Housing and Urban Development (HUD) has told The Dallas Express via a Freedom of Information Act response that the Federal Housing Administration does not track citizenship or residency status on loan applications—meaning it holds no data on how many non-permanent residents, including H-1B visa holders, have received FHA-insured mortgages under prior policies.
HUD’s Federal Housing Administration “does not collect citizenship or residency data from the loan application and therefore does not maintain information on the number of non-permanent residents who have received FHA-insured loans under past policies,” per the department.
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The acknowledgment that FHA does not collect citizenship or residency data on its loan application is curious since the standard Uniform Residential Loan Application used in conventional lending includes a citizenship disclosure section with three options: “U.S. Citizen, Permanent Resident Alien, Non-Permanent Resident Alien,” according to the form published by Fannie Mae.
HUD’s addendum to that application for FHA-insured loans does not include a citizenship section.
The Dallas Express followed up with the agency to ask why the agency does not collect borrower legal status information.
A HUD official told the outlet that “Outside of the core qualification & underwriting data, FHA’s data collection practices have focused on fair lending criteria such as race and ethnicity.”
In March 2025, Mortgagee Letter 2025-09 announced that non-permanent residents would no longer be eligible for FHA-insured mortgages, stating that “federal benefits, including access to FHA-insured loans, are reserved for individuals who hold lawful permanent resident status.”
The letter to lenders said mortgagees must determine the borrower’s residency status “based on information provided on the mortgage application and other applicable documentation.”
The latest FOIA response does not address how FHA enforces that policy if it does not itself collect or maintain citizenship data, so The Dallas Express followed up and asked the agency again.
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The post HUD FOIA Exclusive: FHA Doesn’t Know How Many Non-Citizens Hold Insured Mortgages appeared first on American Renaissance.
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